| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY | $421K | — | $421K | 5.95% |
| UMR, INC.3 Filed as: UMR INC. | MARY GOSZ MAIL STOP 7320 11 SCOTT ST. STE. 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $106K | $106K | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $2.0M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $153K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 NONE | Other commissions Service code 55 | — | $73K |
| RELIASTAR EIN 41-0451140 NONE | Insurance services Service code 23 | — | $24K |
| BANK OF AMERICA EIN 94-1687665 NONE | Trustee (directed) Service code 25 | — | $9K |
| MERRILL LYNCH, PIERCE, FENNER & SMI EIN 13-5674085 NONE | Investment management Service code 28 | — | $1K |
| APPRORX, LLC EIN 61-1581653 NONE | Plan Administrator Service code 14 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 4,477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,839 | $439K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 7,158 | $7.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 7,158 | $7.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 7,158 | $7.1M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 7,158 | $7.1M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 7,158 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,158 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.